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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (176540 reviews)

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4.73

Based on 176,386 reviews, last reviewed 11th Jul 2026

1277% increase in 5 star reviews

in the past 90 days

1144% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It's the best way for online payments It's the best way for online payments Reviewed on: 11th July 2026

Latest lowest rating:

1

I paid through paypal for an item that turned out to... I paid through paypal for an item that turned out to be a scam. I provided proof and they still sided with the scammer with no option for me to take i... Read more Reviewed on: 11th July 2026

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About this product

PayPal Credit is a reusable digital credit line that can be added to your PayPal wallet and used for eligible online purchases.

Accepted at thousands of online retailers that offer PayPal at checkout, PayPal Credit is a flexible way to pay. Eligible purchases get PayPal’s encryption and 24/7 fraud monitoring, as well as Buyer Protection.

PayPal reviews help you find out what it’s really like to be a customer. If you’ve used PayPal before, you can also leave a review and share your experience.

PayPal PayPal Credit reviews (176569)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

Splendid.

Splendid. It has been a very great and wonderful experience. Very efficient and reliable Reviewed on: 9th July 2026

Excellent Transactions always.

Excellent Transactions always. I am very confident with PayPal credit. Reviewed on: 9th July 2026

PayPal has made online payments quick and easy for me.

PayPal has made online payments quick and easy for me. I like how secure it feels and how widely it’s accepted. Sending and receiving money is straightforward, and I’ve had a positive experience using it. Overall, it’s a reliable service that I’d recommend. Reviewed on: 9th July 2026

No problems smooth transactions, kept up to date reg...

No problems smooth transactions, kept up to date regularly Reviewed on: 9th July 2026

I always use PayPal credit and it’s really convenient.

I always use PayPal credit and it’s really convenient. Reviewed on: 9th July 2026

Flexible when it matters most

I've used PayPal Credit for several years and it's become one of the few financial products I genuinely trust. As a small business owner, cash flow matters, and having the flexibility to spread the cost of larger purchases has been invaluable without making the process feel complicated or stressful. What stands out most is how simple everything is. Applying was straightforward, payments are easy to manage, and I always know exactly where I stand. The integration with PayPal means I can check out in seconds, with the confidence that my purchases are protected and my account is secure. I've never felt pressured into using it, which I think says a lot. It's there when I need it, particularly for higher-value purchases, and the promotional interest-free periods have helped me budget far more effectively. In a market where financial services can often feel impersonal, PayPal Credit has consistently delivered a reliable, transparent and user-friendly experience. It's fast, dependable and backed by a brand I've trusted for years. I wouldn't hesitate to recommend it to anyone looking for a flexible, straightforward way to manage larger purchases. Reviewed on: 9th July 2026

Easy to apply for credit and reasonable limit accept...

Easy to apply for credit and reasonable limit accepted by most places can’t go wrong Reviewed on: 9th July 2026

Verry good excelent verry happy

Verry good and verry happy 10/10 Reviewed on: 9th July 2026

Excellent.

Excellent. Easy to use. Very clear explanations as to what to do Reviewed on: 9th July 2026

I like the interest free credit which gives me great...

I like the interest free credit which gives me greater spending power when buying expensive items. On eBay and Argos. Reviewed on: 9th July 2026

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